If you are a co-signer or joint account holder of that credit card account, you are equally responsible for paying off the debt. However, if you are only an authorized user, then you’re not legally responsible for the debt.

If your parent had a life insurance policy and you’re a named beneficiary, then the creditors can’t use the amount to satisfy the unpaid debt.

If the creditor or a collection agency (CA) contacts you for the debt and your parent(s) have no assets which you can liquidate, send a certified letter to the CA along with the death certificate of your parent and stating that there is no estate, and not to contact you again.